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  • Mortgage Loan Insurance for Consumers

CMHC Green Home

Energy-efficient housing made more affordable with Mortgage Loan Insurance.

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CMHC Green Home offers a partial refund on the cost of mortgage loan insurance. Buy, build or renovate for energy efficiency and you may be eligible for a refund of up to 25% of your premium.

Check if you’re eligible

I’M BUYING OR BUILDING A HOME

Homes built under eligible building standards

Building Standard Insurance Premium Refund
R-2000 (national) 25%
Built Green™ (national) 15%
ENERGY STAR® (national) 15%
GreenHouse™ (Ontario) 15%
GreenHome™ (Yukon) 15%
LEED Canada for Homes (national) 15%
Novoclimat (Quebec) 15%
Manitoba Hydro’s New Homes Program (Manitoba) 15%

Homes not built under eligible building standards

If your home isn’t built to eligible building standards, have it assessed by a Natural Resources Canada (NRCan) qualified energy advisor.

Your advisor will measure your home’s efficiency using one of two EnerGuide scales: the 0-100 scale or the gigajoules (GJ) per year scale.

EnerGuide 0-100 Rating Insurance Premium Refund
82-85 15%
86-100 25%

 

EnerGuide GJ/Year Rating Insurance Premium Refund
At least 15% lower than “A Typical New Home” 15%
At least 40% lower than “A Typical New Home” 25%

I’M BUYING A CONDO

If your building meets the LEED Canada New Construction standard (Certified, Silver, Gold or Platinum), you automatically qualify for a 15% refund.

If your building is designed to be 20% more energy-efficient than compliance with the energy provisions of the applicable building code, you may be eligible for a 15% refund.

If your building is designed to be 40% more energy-efficient than compliance with the energy provisions of the applicable building code, you may be eligible for a 25% refund.

 

I’M RENOVATING A HOME

If you purchase an existing home and make energy-efficient improvements you may be eligible for a CMHC Green Home premium refund.

Before and after you make the improvements, have your home assessed by a Natural Resources Canada (NRCan) qualified energy advisor.

Your advisor will measure your home’s efficiency using one of two EnerGuide scales: the 0-100 scale or the gigajoules (GJ) per year scale.

  EnerGuide rating
0-100 scale		 EnerGuide rating
Gigajoules scale
If pre-retrofit rating is < 55 If pre-retrofit rating is ≥ 55 If pre-retrofit rating is ≥ 200 If pre-retrofit rating is < 200
15% Insurance Premium Refund Minimum increase of 10 points, with resulting rating of at least 60 Minimum increase of 5 points Minimum decrease of 45 GJ/year, with resulting GJ/year not to exceed 250 Minimum decrease of 20 GJ/year
25% Insurance Premium Refund Minimum increase of 20 points, with resulting rating of at least 60 Minimum increase of 10 points Minimum decrease of 90 GJ/year, with resulting GJ/year not to exceed 250 Minimum decrease of 45 GJ/year

Download the Green Home application form to apply. Your application must be submitted within 24 months of the closing date of your mortgage.

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Date Published: March 31, 2018
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